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Debate Konsep Cukai

Mbsb tu anak sykt kwsp

Takde kene mengena dgn lhdn ataupun cukai

Ni apa yg aku fhm..
Dia cuba terang konsep..


Apa yg diterangkan tu adalah "cth" bank bg pinjaman..

Dari mana Bank tu dpt dana ? dri gov..

Itu yg dia nk highlight.. Dia petik mbsb..

Mbsb dpt dana dri kwsp..(walaupun duit rakyat) tetap ikut arahan gov.. Semua adalah duit rakyat..


Duit cukai yg kita collect ni pergi ke lhdn, kemudian mof agihkan kpd semua..termasuk gov jual bond utk cover defisit perbelanjaan,dll

Termasuk gov bg pinjaman/sokongan dana utk spe2 nk kembangkan something2..
 
Kita tgk sejarah mbsb.. Skrng ni 65% own by kwsp..

Introduction

A subsidiary of the Employees Provident Fund (EPF), Malaysia Building Society Berhad (MBSB) is the
financial holding company of MBSB Bank. MBSB’s roots can be traced back to Federal and Colonial
Building Society Limited which was set up over seven decades ago in 1950 to extend housing loans to
Malaysia’s low- and middle-income groups. In 1956, the company was renamed Malaya Borneo
Building Society Limited with the extension of its lending activities to Sabah and Sarawak. In 1970, its
business was transferred to the newly incorporated MBSB. MBSB provided mortgages and consumer
finance to mainly civil servants in the absence of a banking license.
In 2018, MBSB acquired a 100% equity interest in Asian Finance Bank (AFB), the third fully foreign-
owned Islamic bank to be set up in Malaysia from Qatar Islamic Bank, RUSD Investment and Tadhamon
International Islamic Bank and Financial Assets Bahrain. AFB became a wholly-owned subsidiary of
MBSB on February 7, 2018. The merger of MBSB’s operations with AFB’s paved the way for the
creation of Malaysia’s second-largest standalone Islamic bank in terms of asset size. MBSB transferred
its Shariah-compliant assets and liabilities (A&L) to AFB, which was then renamed and rebranded as
MBSB Bank. More than a name change, this gave MBSB Bank a new identity as a standalone Islamic
bank with a building society heritage. With a license to conduct Islamic banking business in Malaysia,
MBSB could now provide full-fledged Islamic banking services through MBSB Bank, particularly retail
and wholesale banking services that it was previously unable to offer.
MBSB Bank currently provides Shariah-compliant business banking, trade financing and consumer
banking services to an active customer base of over 300,000 through 47 branches nationwide in the
northern region, central region, southern region, east coast, Sabah and Sarawak. Through its banking
license and platform, MBSB Bank is continuing to broaden and deepen its banking services. It is also
using technology and looking to emerging channels such as digital wallets to expand the digital
 
Klo kita tgk bank islam, asalnya dulu gov yg pump duit..guna Tabung haji punya management..

Bank agro ? Milik MOF..

Bank rakyat ? Tubuh under koperasi, tp gov juga..

Maybank dlu2.. :ROFLMAO:

IMG_20220911_184745.jpg


Public bank ?

IMG_20220911_184921.jpg


Cimb bank..

IMG_20220911_185309.jpg
 
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